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  /Title (nrb-unified-directives-2077.pdf)
  /Creator (Cheatography)
  /Author (reccur)
  /Subject (NRB Unified Directives 2077 Cheat Sheet)
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    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{NRB Unified Directives 2077 Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{reccur} via \textcolor{DarkBackground}{\uline{cheatography.com/137043/cs/28676/}}}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}reccur \\
  \uline{cheatography.com/reccur} \\
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 31st July, 2021.\\
   Updated 2nd August, 2021.\\
   Page {\thepage} of \pageref{LastPage}.
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  Measure your website readability!\\
  www.readability-score.com
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Capital Funds}}  \tn
% Row 0
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\mymulticolumn{1}{x{5.377cm}}{Capital Fund} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Sum of Tier1 Capital (Core Capital) and Tier2 Capital (Supplementary capital) of a BFI as specified by NRB from time to time.} \tn 
% Row Count 4 (+ 4)
% Row 1
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\mymulticolumn{1}{x{5.377cm}}{Tier1 Capital (Core Capital)} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Comprised of Equity Capital and Disclosed Reserves. Tier1 Capital must be {\bf{fully paid up}} and have a very {\bf{high degree of permanence}}. Consists of Common Equity Tier1 {\bf{(CET1)}} Capital and Additional Tier1 {\bf{(AT1)}} Capital} \tn 
% Row Count 10 (+ 6)
% Row 2
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\mymulticolumn{1}{x{5.377cm}}{Common Equity Tier1 {\bf{(CET1)}} Capital} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Highest quality component of Capital. Ensures that BFI remains solvent. Includes {\bf{Common Shares, Stock Surplus, Statutory General Reserve, Retained Earnings}} etc.} \tn 
% Row Count 15 (+ 5)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Additional Tier1 {\bf{(AT1)}} Capital} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Which are classified as {\bf{liabilities}} under accounting standards. Includes {\bf{Perpetual Non Cumulative Preference Share (PNCPS) and Perpetual Debt Instruments (PDI) and Stock surplus from issuance of PNCPS}}} \tn 
% Row Count 21 (+ 6)
% Row 4
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\mymulticolumn{1}{x{5.377cm}}{Tier2 (Supplementary) Capital} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Includes reserves which have been passed through the P\&L account. Consists of {\bf{General Loan Loss Provision, Hybrid Capital Instruments, Preference Share Capital Instruments with maturity \textgreater{} 5yrs, Stock surplus from issuance of such instruments, Exchange Equalization Reserves, Investment Adjustment Reserves etc.}}} \tn 
% Row Count 29 (+ 8)
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\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Minimum Capital Fund based on Risk-weighted Assets}}  \tn
% Row 0
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 & Core Capital & Capital Fund \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
Class A & {\bf{6\%}} & {\bf{8.5\%}} \tn 
% Row Count 2 (+ 1)
% Row 2
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Class B \& C & {\bf{6\%}} & {\bf{10\%}} \tn 
% Row Count 3 (+ 1)
% Row 3
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Class D & {\bf{4\%}} & {\bf{8\%}} \tn 
% Row Count 4 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
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\mymulticolumn{3}{x{5.377cm}}{{\bf{"क"}} वर्ग  र आर्थिक वर्ष २०७७/७८ देखि {\bf{राष्ट्रियस्तरका विकास \seqsplit{बैंकहरुले} CAF, 2015}} बमोजिम न्यूनतम पुँजीकोष अनुपात कायम गर्नु पर्नेछ \newline {\bf{"ख" र "ग"}} वर्गका \seqsplit{इजाजतपत्रप्राप्त} संस्थाले {\bf{CAF, 2007}} बमोजिम}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}---}
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Countercyclical Buffer Requirement}}  \tn
% Row 0
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{\bf{Credit to GDP Gap }} & {\bf{Buffer Reqt. in Terms of CET1}} \tn 
% Row Count 2 (+ 2)
% Row 1
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Up to 5 points & 0\% \tn 
% Row Count 3 (+ 1)
% Row 2
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above 5 to 7.5 points & 0.5\% \tn 
% Row Count 5 (+ 2)
% Row 3
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above 7.5 to 10 points & 1.0\% \tn 
% Row Count 7 (+ 2)
% Row 4
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above 10 to 12.5 points & 1.5\% \tn 
% Row Count 9 (+ 2)
% Row 5
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above 12.5 to 15 points & 2.0\% \tn 
% Row Count 11 (+ 2)
% Row 6
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above 15 points & 2.5\% \tn 
% Row Count 12 (+ 1)
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\mymulticolumn{2}{x{5.377cm}}{NRB uses Credit to GDP ratio as guide for reference point for taking buffer decisions. Buffer requirement of 0.5\% i.e. each increase in every 2.5 points in credit to GDP gap \newline  \newline {\bf{Countercyclical Buffer}} कायम गर्नु पर्ने \seqsplit{व्यवस्थालाई} आ.व. {\bf{२०७७/७८ सम्मको लागि स्थगन}} गरिएको छ ।}  \tn 
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Capital Fund Report Submission}}  \tn
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\mymulticolumn{1}{x{5.377cm}}{पुँजीकोष सम्बन्धी विवरण प्रत्येक महिनाको मसान्तको वित्तीय \seqsplit{विवरणहरुको} आधारमा तयार गरी आन्तरिक \seqsplit{लेखापरीक्षण} विभागबाट प्रमाणित गराई यस बैंकको नियमन तथा \seqsplit{सम्बन्धित} \seqsplit{सुपरिवेक्षण} विभागमा प्रत्येक महिना समाप्त भएको मितिले {\bf{१५ दिन भित्र}} \seqsplit{पठाइसक्नु} पर्ने ।% Row Count 14 (+ 14)
} \tn 
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{कर्जा सापट}}  \tn
% Row 0
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\mymulticolumn{1}{x{5.377cm}}{{\bf{असल (Pass)}} : {\bf{१ \% – साविक, साउनको निर्देशन अनुसार १.३ \%}}} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}· भाखा ननाघेका र {\bf{१ महिना }}सम्म भाखा नाघेका कर्जा सापट,\{\{nl\}\} · पर्याप्त सुरक्षण लिई प्रति ग्राहक बढीमा {\bf{रु.१० लाखसम्म}} प्रवाह भएको सुनचाँदी कर्जा\{\{nl\}\} · (२०७६ पुस मसान्तमा असलमा परेकोलाई सोही वर्गमा वर्गीकरण \seqsplit{गर्ने–यसरी} गर्दा २०७७ असार मसान्तमा सावा र व्याज दुवै तिर्न बाकी भएमा ५ \seqsplit{प्रतिशत–व्याज} नियमित तर सावा बाकी लभएमा २ \% कर्जा नोक्सानी \seqsplit{व्यवस्था)}} \tn 
% Row Count 23 (+ 23)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{सुक्ष्म निगरानी (WatchList)}} : {\bf{५ \%}}} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}· {\bf{१ महिना देखि ३ \seqsplit{महिनासम्म} }}भाखा नाघेका कर्जा सापट,\{\{nl\}\} · कर्जाको साँवा र ब्याज नियमित भए तापनि विगत दुई वर्षदेखि खुद \seqsplit{नोक्सानीमा} रहेको वा नेट वर्थ ऋणात्मक रहेको फर्म, कम्पनी वा \seqsplit{संस्थालाई} प्रवाहित कर्जा,\{\{nl\}\} · रु.१ अर्व वा सो भन्दा बढी रकमका \seqsplit{सह–वित्तीयकरण} कर्जामा परिणत नभएका \seqsplit{बहुबैंकिब} कर्जाहरु,\{\{nl\}\} · Debt-equity Ratio {\bf{८०ः२०}} भन्दा बढी हुने गरी प्रवाह गरिएका कर्जा (२०७७ असार \seqsplit{मसान्तसम्म} छुट)} \tn 
% Row Count 46 (+ 23)
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{कर्जा सापट (cont)}}  \tn
% Row 2
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\mymulticolumn{1}{x{5.377cm}}{{\bf{कमसल (Sub-standard)}} : {\bf{२५ \%}}} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}· {\bf{३ देखि ६ \seqsplit{महिनासम्म} }}भाखा नाघेका कर्जा सापट\{\{nl\}\}} \tn 
% Row Count 4 (+ 4)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{शंकास्पद (Doubtful)}} : {\bf{५० \%}}} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}· {\bf{६ देखि १ वर्षसम्म}} भाखा नाघेका कर्जा सापट\{\{nl\}\}} \tn 
% Row Count 9 (+ 5)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{खराव (Loss)}} : {\bf{१०० \%}}} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}· {\bf{१ वर्ष भन्दा बढी}} अवधिले भाखा नाघेका कर्जा सापट\{\{nl\}\} · Credit Card कर्जा भाखा नाघेको मितिले {\bf{९० दिनभित्र}} अपलेखन नभएमा\{\{nl\}\} · ऋणीले एउटै मिति वा अवधिको अलग अलग वित्तीय विवरण पेश गरेको अवस्थामा\{\{nl\}\} · बैंक तथा वित्तीय \seqsplit{संस्थाबाट} कर्जा लिई सम्बद्ध व्यक्ति वा \seqsplit{संस्थालाई} \seqsplit{कर्जा/सापट} प्रदान गरेमा\{\{nl\}\}} \tn 
% Row Count 26 (+ 17)
% Row 5
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\mymulticolumn{1}{x{5.377cm}}{{\bf{पुनर्तालिकीकरण/पुनर्संरचना}}} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}· \seqsplit{पुनर्संरचना} गरिएको समयमा असल कर्जामा वर्गीकरण भइरहेका कर्जाको {\bf{१२.५ \%}}\{\{nl\}\} · \seqsplit{राष्ट्रिय} \seqsplit{प्राथमिकतामा} रहेका \seqsplit{हाईड्रोपावर}, केवलकार, सिमेन्ट वा अन्य \seqsplit{पूर्वाधार} निर्माण सम्बन्धी \seqsplit{परियोजनाहरुलाई} \seqsplit{पुनरतालिकीकरण/पुनरसंरचना} गरेको अवस्थामा {\bf{१ \%}} मात्र कर्जा नोक्सानी व्यवस्था कायम गर्न सकिने छ । यसरी \seqsplit{पुनरतालिकीकरण/पुनरसंरचना} गरिएका \seqsplit{कर्जाहरुलाई} असल कर्जाको रुपमा वर्गीकरण गर्न सकिने छ\{\{nl\}\} · सेयरको धितोमा प्रदान गरेको \seqsplit{कर्जाहरुलाई} \seqsplit{पुनरसंरचना} वा \seqsplit{पुनरतालिकीकरण} गर्न पाइने छैन \{\{nl\}\}} \tn 
% Row Count 55 (+ 29)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
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\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}